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877-734-3884
Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Affordable Care Act

THE 2020 OPEN ENROLLMENT PERIOD HAS STARTED AND ENDS DECEMBER 15, 2019

NOTE: CONSUMERS MUST COMPLETE THEIR PLAN SELECTIONS BY DECEMBER 15 AND PAY THEIR FIRST PREMIUM BEFORE JANUARY 1, 2020 FOR THEIR HEALTH COVERAGE TO BECOME EFFECTIVE ON JANUARY 1. WITH FEW EXCEPTIONS, THERE ARE NO OPPORTUNITIES TO MAKE AN OPEN ENROLLMENT PLAN SELECTION AFTER DECEMBER 15, 2019

Open Enrollment Calendar

REQUEST A QUOTE

You Might Qualify For A Government Subsidy

Call us now at 1-877-734-3884

Click REQUEST A QUOTE, enter all requested information including the optional information. We'll provide an estimate of your subsidy if you qualify, and also suggest some plans to consider.

You can buy off the exchange if you're not eligible for a subsidy. If we determine that you're not eligible or if you don't provide the optional information when you REQUEST A QUOTE, we'll provide quotes for off-exchange plans.

COMPLETE THE INCOME INFORMATION ON THE QUOTE FORM TO DETERMINE IF YOU’RE ELIGIBLE FOR A SUBSIDY

You Can't Be Declined Because Of A Pre-existing Condition

The Affordable Care Act is complicated and can be quite confusing. Find answers to many of the most frequently asked questions regarding provisions of the law that affect individual and family health insurance.

LEARN MORE

Note: As a result of our contribution and success during last year’s Affordable Care Act open enrollment period, we’ve been recognized by the Centers for Medicare and Medicare Services (CMS) as a member of the Marketplace Circle of Champions.

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

More choices
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Calculate your health Insurance cost!
Get Rates & Plans
Or call today!
877-734-3884